2026 capital gains reform · model your impact

The new property tax rules, translated for your portfolio.

A two-minute calculator that shows what indexation, the 30% minimum tax, and the negative-gearing changes mean for the property you own — or the one you’re thinking about buying.

· No login required· Updated for the May 2026 draft bill
Sale of investment property · 2031
Tax payable on capital gain
Sample
Old rules
$92,400
37% effective
New rules
$138,750
45% · 30% min binds
Under the new rules you would pay+$46,350 more
i.Why this matters

Three changes reshape the maths for almost every Australian property investor.

Minimum effective tax
30%

Capital gains on investment property face a 30% floor — even if your marginal rate is lower.

Discount removed
50%

The CGT discount no longer applies to established residential property bought after the cut-off.

Pre/post 1 Jul 2027
Split

Grandfathered properties get one calculation up to the cut-off, and the new rules from then on.

ii.What you’ll see

Old rules. New rules. The difference in plain English.

Enter your property details and we’ll show both calculations side-by-side, with a one-line explanation of what changed and a clear net delta at the bottom.

  • Indexed cost base with your CPI assumption
  • Effective rate, including where the 30% minimum binds
  • Split calculations for properties bought before 1 July 2027
  • Compare up to four scenarios side-by-side
Calculator preview
Sample scenario
Purchase
$680,000
Jul 2024
Sale
$890,000
Mar 2031
Rate
37%
Marginal
Old rules
$38,850
New rules
$62,475
Delta+$23,625
iii.Coming next

Want it written up properly?

We’re building a detailed PDF report — proper workings, scenario sensitivity, and methodology footnotes you can share with your accountant. Plus a portfolio-tracking subscription for owners of multiple properties.

Prefer the full form? Open the waitlist page →

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